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AO Finance
Whatever you’ve got your eye on, AO Finance offers a range of payment options so you can spread the cost of your shiny new electricals.
You could enjoy a credit limit of up to £2,500, and once you’ve bought something, you can choose a payment plan to suit you. It’s super-easy to apply and we’ll even do a no-risk check first to see if you’re eligible.
Why choose AO Finance
Once your application’s been approved, you’ll get an account with a credit limit so you can use it again without having to re-apply.
From instalment plans to flexible credit, we have a range of options for you to choose from.
You can choose to pay off your balance anytime at no extra cost.
We regularly run special promotions such as Buy Now, Pay Later and interest free credit offers.*
Representative example
29.9% APR Representative (variable). 29.9% PA Purchase rate (variable). £1,200 Assumed credit limit
*Credit and availability of offers are subject to status. Terms apply.
Credit is provided by NewDay Ltd. AO Retail Limited acts as a credit broker for NewDay Ltd on an exclusive basis and is not a lender.
AO Finance Account payment options
Flexible payments
Works in a similar way to a credit card, no fixed timeline - just pay your contractual minimum payment and more when you can afford it.
Buy now, pay later*
Make no payments during the promotional period on selected electricals over £200. Then either pay in full to avoid interest or repay using the flexible payment option.
0% Interest Instalment Plan*
Enjoy 0% interest on selected electricals by paying back a fixed amount each month over a fixed period.
The easiest way to apply is when you're ready to buy
Step 1 - Pick your products, head to the checkout and choose AO Finance
Step 2 - Answer the eligibility questions for an idea of the credit limit you could be offered
Step 3 - Complete the easy application and select a way to repay that suits you
Step 4 - Enjoy your brand new electricals
Tell me more about AO Finance
- What is AO Finance?
It’s a flexible finance account provided by NewDay. With it, you could enjoy a credit limit of up to £2,500 to spend at AO, along with various payment plan options – an instalment plan, flexible credit, 0% interest or buy now, pay later. So, you can repay the balance however suits you best. Just bear in mind, the interest rate, credit limit and payment plans you’re offered will be based on a credit check and NewDay’s assessment of your circumstances.
NewDay will be your finance lender, and emails about AO Finance will often come from them. So, remember to keep an eye out for their name while you’re scrolling through your inbox.- How do I apply for AO Finance?
Just follow these 6 super-easy steps:
- Add a product to your basket and go to checkout.
- Choose AO Finance as your payment method, then click ‘Check your eligibility’.
- Log in to your AO My Account, or create an account if you don’t have one.
- Complete an eligibility check – this won’t affect your credit score.
- If you’re happy to complete your application, NewDay (the lender) will then run a full credit check – this could affect your credit score.
- Read the legal info, select a credit limit preference and add your e-signature. Voila!
To be eligible for an AO Finance account, you must:
- Be 18 years or over and have a regular income
- Be a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
- Have a current UK bank account
- Have a valid email address and mobile phone number
- Not have an existing AO Finance account
- How do I buy something on AO Finance?
It’s really easy to buy something using AO Finance. When you go through to checkout, just make sure you choose AO Finance as your payment method. Then, simply pick which payment plan you’d like and follow the simple steps to finish buying your shiny new appliance and any services you might need. You’ll get an email confirmation from us with everything you need to know about your product and the AO Finance payment plan you’ve chosen.
- How do I make a payment?
A few days after creating your AO Finance account, you’ll get an email from NewDay asking you to set up a NewDay Online Account Manager with them. Here, you can edit your details and view transactions. So, when you’re making a payment, just visit your NewDay Online Account Manager and follow the quick and easy steps.
- How do I login to my account if I’m an existing AO Finance customer?
If you’re an existing AO Finance customer, you can login to your account via the NewDay Online Account Manager.
If you have any more questions, why not check out the rest of the AO Finance FAQs.
Alternatively, you can call NewDay 0333 220 2598. Opening times are 9am - 7pm Monday to Friday, 9am - 5pm Saturday and 10am - 4pm on Sunday. Please have your account number ready when you call. You can find your account number within emails and a SMS sent to you by NewDay shortly after opening your account.
Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Calls may be recorded and monitored for training and security purposes and to help us manage your account.
